MassMutual Disability Insurance
Editor's ChoiceMassMutual
4.6
Up to 80% income replacement. Benefits to age 70. Highly customizable riders.
Editorial score
4.6 / 5
Product type
disability insurance
Our take
MassMutual is the top-rated disability insurer for 2026, covering up to 80% of income — tied for the highest in the industry. Benefits extend to age 70 with diverse riders for customization. Accepts applicants up to age 64.
Pros and cons
Pros
- +Up to 80% income replacement — tied for highest
- +Benefits extend to age 70
- +Highly customizable with diverse riders
Cons
- −Requires medical exam for most policies
- −Higher premiums than online-only options
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Full details
| best for | Professionals who want maximum coverage and customization |
| headline metric | Up to 80% income |
| secondary metric | Benefits to age 70 |
| discount highlights | Multi-policy, annual payment, non-smoker |
Frequently asked questions
What should I compare besides premium for MassMutual Disability Insurance?
Look at coverage limits, deductibles, exclusions, and customer service reputation. The cheapest quote is not always the best value if coverage is weaker.
Is MassMutual Disability Insurance right for me?
MassMutual is the top-rated disability insurer for 2026, covering up to 80% of income — tied for the highest in the industry. Benefits extend to age 70 with diverse riders for customization. Accepts applicants up to age 64.
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Verified Apr 2026
MassMutual Disability Insurance